§431:10C-102  Purpose.  (a)  The purpose
of this article is to:



(1)  Create a system of reparations for accidental
harm and loss arising from motor vehicle accidents;



(2)  Compensate these damages without regard to fault;
and



(3)  Limit tort liability for these accidents.



(b)  To effectuate this system of motor vehicle
insurance and to encourage participation by all drivers in the motor vehicle
insurance system:



(1)  Those uninsured drivers who try to obtain the
privilege of driving a motor vehicle without the concomitant responsibility of
an ability to compensate adequately those who are injured as a result of a
motor vehicle accident are to be dealt with more severely in the criminal or
civil areas than those who obtain the legally required motor vehicle insurance
coverage;



(2)  Those persons truly economically unable to afford
insurance are provided for under the public assistance provisions of this
article. [L 1987, c 347, pt of §2; am L 1997, c 251, §12]